Compare Bank & Credit Union Rates
Best CD rates in Ohio
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 256–270 results in Ohio
- Wayne County Community Federal Credit UnionCertificatesCD · 6 months · $500 min
Credit union · 3 branches
3.50%APY$173 over 6 months on $10,000intro rateRequirements
Product: Substantial penalty for early withdrawal. Higher interest rates available for accounts with certain relationships. NCUA insured to at least $250,000.
3.47% interest rate
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.
Promotional rate · 3.45% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: A time-deposit account where funds are held for a specific term. Minimum deposit of $1,000.00 is required. Additional deposits cannot be made until maturity. Automatically renews for the same term at the current dividend rate upon maturity, with a seven-day grace period. Dividends are compounded daily and paid quarterly. Early withdrawal penalties may apply.
Offer: Dividends compounded daily and paid quarterly. Penalties may apply for early withdrawal.
3.45% interest rate · Compounded daily
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed annual percentage yield for the entire term. $500 minimum balance required.
Offer: Early withdrawal penalty of 90 days’ dividends for terms less than 36 months.
3.45% interest rate · Effective Jan 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Dividends calculated daily and added to account quarterly. A penalty will or may be imposed for early withdrawal.
Offer: Early withdrawal penalty will or may be imposed.
3.46% interest rate · Effective Aug 1, 2025
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. A penalty will be imposed for early withdrawal.
Offer: Limited-time offer. No minimum balance to obtain the stated APY.
Promotional rate · Effective Jun 23, 2026
Rate checked
More details - Minster BankCertificate of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 7 branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Businesses and Municipalities will be quoted. Rates are subject to change. Additional term options are available.
Offer: 18-month term; amount tier $1,000–$4,999. Penalty for early withdrawal may apply.
3.25% interest rate · Effective May 29, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $4,999 3.30% $5,000 – $99,999Your amount 3.50% $100,000 and up 3.65% Rate checked
More details - Minster BankCertificates of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 7 branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Fixed interest rate based on tiers, compounded daily and paid semiannually or annually if CD is under $10,000; monthly, quarterly, semiannually, or annually if CD is $10,000 or more. Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Additional term options are available.
Offer: Penalty for early withdrawal may apply. Additional term options are available.
3.25% interest rate · Compounded daily · Effective May 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $4,999 3.30% $5,000 – $99,999Your amount 3.50% $100,000 and up 3.65% Rate checked
More details - 3.50%APY$1,475 over 48 months on $10,000
Requirements
Product: Minimum investment is $500. Rates available for Regular, TruBenefits, and TruAdvantage membership tiers. Early withdrawal penalty applies.
Offer: TruAdvantage APY membership tier
Effective Sep 1, 2026
Rate checked
More details - 3.49%APY$1,084 over 36 months on $10,000
Requirements
Product: Variable Rate - member has discretion. Opportunity to increase ('bump') dividend rate one time during the term to the rate currently in effect for the corresponding Bump Certificate, with a maximum 100 basis point increase from the original dividend rate. Membership share requirement ($5.00) applies. Automatically renewable.
3.45% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Dividends compounded and paid quarterly. Penalty may be imposed for early withdrawal.
Offer: Compounded quarterly. Minimum to earn APY is $500.00.
3.41% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000with conditions
Requirements
Product: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product. Penalty for early withdrawal from CDs. Interest is compounded daily. Fees could reduce earnings.
Offer: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product.
Qualified rate · 3.35% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 3.40%APY$514 over 18 months on $10,000
Requirements
Product: All dividends are compounded daily. APYs assume principal and dividends remain on deposit for the entire term. Early withdrawal penalty may apply.
3.36% interest rate · Compounded daily · Effective Nov 3, 2025
Rate checked
More details - Ashland Community Federal Credit UnionShare Certificates: JumboCD · 60 months · $10,000 min
Credit union · 1 branch
3.40%APY$1,820 over 60 months on $10,0003.36% interest rate · Effective Sep 25, 2026
Rate checked
More details - General Electric Credit Union11-Month No-Penalty CertificateCD · 11 months · $0 min
Credit union · 11 branches
3.35%APY$307 over 11 months on $10,000Requirements
Product: Early withdrawals are not permitted within the first 6 days after account opening. To withdraw funds with no penalty assessed, the entire amount (principal plus dividends earned) must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible.
Offer: Early withdrawals not permitted within first 6 days after opening; full balance must be withdrawn in a single transaction for no penalty.
3.30% interest rate · Effective Oct 25, 2024
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Ohio
2,471 CDs at 267 banks and credit unions · checked Oct 16–23
- Typical
- 3.25%
- Top 10% from
- 4.07%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch